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About Us

Overdraft Protection

We positively can help you navigate a negative checking balance.
We'll usually honor your check payments
Our solutions can help you avoid merchant fees
Options include automatic transfers and lines of credit

Our goal is to help you out, not make life more difficult.

We all have bad days and periods of bad luck. Whatever caused your negative checking balance, we know you'll try to prevent it from happening again. In the meantime, Berkshire Bank has several programs to ensure that your purchases go through and that you don't get hit with merchant fees for insufficient funds.

If you overdraw your checking balance, you already feel bad enough. No need for us to pile on. Instead, we'll point out your options for making things right.
Standard Procedure

With Courtesy PaySM, we will generally cover checks and other transactions made using your checking account number.

  • We'll also cover automatic bill payments.
  • Unless you specifically ask us to, we won't cover ATM transactions or everyday debit card transactions.
  • We'll charge you a $37 fee every time we cover an overdraft.
Automatic Transfer Service

You can set up automatic transfers from your savings or Money Market account to cover checking account shortfalls.

  • Or you can use an established business line of credit account or fund transfer from a designated asset account.
  • We'll charge you $10 for each transfer to pay an item from your linked Berkshire Bank deposit account.
Reddi Cash

Apply for a personal line of credit, for use as overdraft protection.

  • Reddi-Cash automatically transfers money to cover checking account shortfalls.
  • This personal line of credit is subject to credit application and approval.

Berkshire Bank is a full-service financial institution with branches in MA, CT, VT, NY, and RI.